Is any of that OK? No. It's just not surprising.
What do you mean by "cost"? They both have to pay the same price, one might have to spend less time to make that amount if that's your point, but that's kinda obvious.
At $100k, $17k after tax is maybe 30% of your income (and I don't mean disposable) for a year.
I think you would be hard pressed to find financially stable people in this income bracket who would consider this deal "affordable".
Probably affordable was a bit of a stretch, I meant that it's not out of the question of buying, like a $50k Rolex.